Rushcard Prepaid
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FAQs

FREQUENTLY ASKED QUESTIONS


About RushCard Live Reloadable Prepaid Visa® Card:

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Card Fees

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Using the Card in your RushCard Live Package

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Using your Personalized Card

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How to add money to your RushCard Live

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Enrolling in Direct Deposit

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Adding Money through MoneyGram® or Western Union®

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Balance and Transaction History

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Card Expiration/Cancellation

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Account Alerts

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RushCard Live Mobile

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Online Bill Pay

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CARDS PURCHASED IN A FINANCIAL SERVICE CENTER LIKE PAY-O-MATIC

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About RushCard Live Reloadable Prepaid Visa®Card:

What is the RushCard Live Reloadable Prepaid Visa Card?

The RushCard Live is a reloadable prepaid Visa debit card that you can use anywhere Visa debit cards are accepted. The card is reloadable and you can receive a personalized card with your name on it. Use it to shop online, pay bills, and make all your purchases. Your registered card is safer than cash. You can pick up a card now at thousands of retail locations nationwide. FIND LOCATION

How is the RushCard Live different than a gift card?

Once we verify your identity, we will send you a RushCard Live that is personalized with your name on it. You can make ATM withdrawals, domestic and international purchases, and your RushCard Live can be reloaded.

How is the RushCard Live different than a credit card?

The RushCard Live is a prepaid card which means you need to add money to your card in order to use it. It does not offer a line of credit like credit cards and there are no overdraft fees.

Does buying or using the RushCard Live build my credit rating?

No, it is a prepaid debit card. Because no credit is granted and no payments are required, this card does not build credit history.

If I have bad credit can I still get a RushCard Live?

Yes, we do not run a credit check and there is no credit score required to obtain a card.

How do I get the RushCard Live?

You can pick up a card now at thousands of retail locations nationwide. FIND LOCATION
Just purchase the card and follow the instructions on the package to register your card. Federal law requires us to obtain, verify and record your name, address, date of birth, Social Security number, and phone number when you register your card. If we cannot successfully verify your identity, we will not send you a Personalized Card.

How old do you have to be to use the Card?

You must be 18 or older to successfully register a RushCard Live.

Can I buy and activate more than one Card?

Yes. However, we may limit the number of cards issued to you at our sole discretion.

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Card Fees

What are the Card Fees?

Here is a complete schedule of the RushCard Live fees:

Fee chart

Monthly Charge
Transaction Fee
AFTER 12 MONTHS
OF NO ACTIVITY
PER USE PLAN
NONE
$1.00 Per purchase transaction

You are only charged for the first 10 transactions per billing cycle

$1.95 Per month

Maintenance fees applies only after 12 consecutive months without any spend or load activity, except where prohibited by law.

PER MONTH PLAN1
$5.95 Per month

Waived in any monthly billing cycle with loads over $1,000 or 30 posted qualifying purchases. 2

NONE
NONE

Maintenance Fee
does not apply

Applies to both plans
Reloading the Card
  • No charge for Direct Deposit
  • $4.95 or less when loading cash at retailers nationwide
Using ATMs & Getting Cash
  • No charge at over 22,000 MoneyPass® ATMs nationwide
  • No charge at retailers offering “cash back” with purchase
  • At non-MoneyPass ATMs and bank teller locations, $2.50 for cash withdrawals and $0.50 for balance inquiries,
    plus any fee the bank or ATM owner may charge
Other fees
  • $4.95 to replace a lost, stolen or damaged card
  • 3% surcharge at merchants outside the U.S.
  • Other optional services may also be offered for a fee
1If you do not register your card, or we cannot successfully verify your identity, you will be enrolled in the “Per Month” Plan.
2Qualifying purchases include completed transactions where you are paying for goods or services with your card. Excludes Online Bill Pay. See Cardholder Agreement to see when your billing cycle starts and ends.
*Fee plan choice is only available at registration.
 

Limits

MINIMUM INITIAL LOAD
$10, VARIES BY RETAILER
CARD BALANCE (WITH CASH LOAD)
$2,500
CARD BALANCE (WITH DIRECT DEPOSIT)
$10,000
DAILY CASH LOAD LIMIT
$2,500
DAILY DIRECT DEPOSIT LOAD LIMIT
$10,000
DAILY ATM WITHDRAWAL LIMIT
$400
TRANSACTION BANK TELLER CASH WITHDRAWAL LIMIT
$400
DAILY BANK TELLER CASH WITHDRAWAL LIMIT
$2,500
DAILY SPEND LIMIT*
$2,500
*All outgoing transaction activities, such as purchases, ATM transactions, etc.
What are the differences between the two fee plans?

“Per Use” Plan members have no Monthly Charge. Signature and PIN debit transactions are $1.00 per transaction. You are only charged for the first ten dollars ($10) per billing cycle. To see when your billing cycle starts and ends, please SEE CARDHOLDER AGREEMENT.

“Per Month” Plan members are charged a Monthly Charge of $5.95. This Monthly Charge entitles members to unlimited PIN debit and signature transactions at no additional cost. The Monthly Charge can be waived in any billing cycle where you have 30 posted purchases OR load $1,000 to your card. Qualifying purchases only include transactions where you are paying for goods or services with your card and do not include ATM transactions, or other transactions where you do not purchase goods or services. Purchases must post to your card during the billing cycle to count towards a Monthly Charge waiver for that period. The $5.95 Monthly Charge is assessed at the end of your billing cycle. To see when your billing cycle starts and ends, please SEE CARDHOLDER AGREEMENT.

Click here to view each plan and related fees.

How does the Transaction Fee on the “Per Use” Plan work?

“Per Use” Plan members have no Monthly Charge. Signature and PIN debit transactions are $1.00 per transaction. You are only charged for the first ten transactions per billing cycle (up to $10 in transaction fees). To see when your billing cycle starts and ends, please SEE CARDHOLDER AGREEMENT.

What is the Maintenance Fee in the “Per Use” Plan?

The “Per Use” Plan is subject to a $1.95 per month maintenance fee ONLY if you have no load, withdrawal, or spend activity for 12 consecutive months. You can easily avoid this fee by loading funds or using the card for purchases or ATM withdrawals at least one time every 12 months. This fee is waived for residents of NH and CT.

Will RushCard Live assess a Monthly Charge even if I don't use the Card?

If you choose the “Per Month” plan, your card is subject to the $5.95 Monthly Charge as long as the card remains open.

Will RushCard Live assess a Monthly Charge even after the balance falls below $0?

Yes. If you choose the “Per Month” plan, RushCard Live will continue to assess a Monthly Charge until the balance reaches -$11.90, at which point the charges will no longer accumulate.

How can I get my Monthly Charge waived in the “Per Month” Plan?

Have 30 posted purchases OR load $1,000 to your card in any billing cycle and we will waive your Monthly Charge! Qualifying purchases only include transactions where you are paying for goods or services with your card and do not include ATM transactions, or other transactions where you do not purchase goods or services. Purchases must post to your card during the billing cycle to count towards a Monthly Charge waiver for that period. Check your progress towards a Monthly Charge waiver on your Account Summary page.

Are there any overdraft fees?

No, there are no overdraft fees on the RushCard Live.

Is there a limit on how much I can load onto my Card?

Yes. If you’re loading the card using cash, the daily reload limit is $2,500, subject to a daily balance limit of $2,500. If you’re loading via Direct Deposit, the daily reload limit is $10,000, subject to a daily balance limit of $10,000.  If you purchased the card at a Financial Service Center, like Pay-O-Matic, and are loading via a check cashing transaction, the daily reload limit is $10,000, subject to a maximum balance limit of $10,000. Click here for card limits.

What is the maximum balance I can have on my Card?

The maximum balance you can have on your RushCard Live is $2,500 if loading with cash and $10,000 if loading by Direct Deposit. If you purchased the card at a Financial Service Center, like Pay-O-Matic, the maximum balance is $10,000. Click here for card limits.

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Using the Card in your RushCard Live Package

What is the Temporary Card and where can I use it?

RushCard Live packages that you find in stores include a Temporary card that you can use to pay for purchases until your Personalized card arrives in the mail. For signature purchases, all you have to do at the register is select "credit" and sign. Temporary cards can be used for PIN-debit purchases. You cannot use a Temporary card to make purchases at merchants outside the U.S. (including foreign web sites). Also, Temporary cards cannot be used at ATMs or for other cash withdrawals. PLEASE NOTE: if you purchased the card at a Financial Service Center, like Pay-0-Matic, you can access cash from ATMs with your Temporary Card. You can also access cash at participating retailers where you can request “cash back” with purchase transactions. The Temporary card can be reloaded after we have successfully verified your identity. The Temporary card and the Personalized card are not intended to be given as gifts.

How do I add more money to my Temporary Card?

After successful identity verification, you can reload your Temporary Card by purchasing a MoneyPak®, enrolling in Direct Deposit or setting up an online reload from your bank. , or reloading at participating MoneyGram and Western Union locations. Fees may apply for non-Direct Deposit reloads. Click here to learn more.

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Using your Personalized Card

How long does it take to receive my Personalized RushCard Live in the mail?

You will receive your Personalized Card within 7-10 business days after you register and we successfully verify your identity. Cards are shipped first class U.S. Mail the next business day after registration. After activation of the Personalized Card, the amount on your Temporary Card will automatically be transferred to the Personalized Card and you will no longer be able to use the Temporary Card.

Is my Personalized Card ready to use when I receive it?

No, you will need to go to www.RushCardLive.com/activate to activate your Personalized Card. Click here to contact us if you cannot activate your card online.

Is there any place I cannot use my Personalized Card?

RushCard Live cannot be used for online gambling or for business purposes. We may also block usage in some countries due to fraud or security concerns.

Can I withdraw money from an ATM?

Yes. You will select a 4 digit PIN when you activate your Personalized Card. You may withdraw up to $400 per day. Temporary Cards cannot be used at ATMs and we may block ATM withdrawals in some countries due to fraud or security concerns. PLEASE NOTE: if you purchased the card at a Financial Service Center, like Pay-0-Matic, you can access cash from ATMs with your Temporary Card. You can also access cash at participating retailers where you can request “cash back” with purchase transactions.

What can I do if I forget my ATM PIN?

If you would like to update or change your PIN, click here.

Can I withdraw cash inside a bank branch?

Yes. You can complete an in-bank withdrawal (also called a teller cash withdrawal) from your RushCard Live. You may withdraw up to $400 per transaction with a maximum of $2,500 per day.

Can I spend more money than I have on the Card?

Sometimes, due to the way transactions are processed, a merchant will accept your card even if you don’t have enough money on it to cover the cost of the purchase. This happens only rarely, but if it happens, you are still responsible for this payment. Please refer to the Cardholder Agreement for more information.

Can I use my Card to pay for automatic monthly payments (i.e., gym memberships, cable TV, cell phone bill, etc)?

Yes, but only from your Personalized Card. You may also sign up for Bill Pay.

Can I use my RushCard Live to rent a car?

Your prepaid card may be used to rent a car, but rental car companies "authorize" (have money held) for much more money than the actual cost of the rental car. The reason is that the rental car company won't know if they need to charge you for additional expenses like gas, car damage and extra days until you return the vehicle. These authorized funds will be held and unavailable for you to spend until the final transaction is posted to your statement. This means that you might not have access to these funds for as long as 90 days. To avoid problems when you rent, our advice is to first call the rental car company and ask them what their policy is regarding the use of prepaid debit cards.

What if someone steals my RushCard Live or uses it without permission?

If you lose your card or believe it to be stolen, you must immediately report this to us. Click here to report your card lost or stolen from your online account, or call 1-888-569-7730. We will cancel your card and a new card will be sent to you. A fee for a replacement card may apply. Please see your Cardholder Agreement for more information.

How do I use my RushCard Live to pay for gasoline?

We recommend you pay the attendant inside the gas station when using your RushCard Live. When you pay the attendant, you will be charged the exact amount without any additional hold on your card.
If you choose to pay at the pump, please note the credit function is not available at the pump with RushCard Live. To pay at the pump, you must use the PIN-Debit function and your 4-digit PIN. The gas station will pre-authorize an amount on your card before you begin pumping. Within a few minutes of completing the transaction, the gas station will release the pre-authorized amount and post the actual amount of the transaction to your account.

How do I add more money to my Temporary Card?

After successful identity verification, you can reload your Temporary Card by purchasing a MoneyPak®, enrolling in Direct Deposit, setting up an online reload from your bank, or reloading at participating MoneyGram and Western Union locations. Fees may apply for non-Direct Deposit reloads. Click here to learn more.

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How to add money to your RushCard Live

How do I add more money to my Card?

There are many convenient ways to add money to your RushCard Live.

How do I add more money to my Card?

There are many convenient ways to add money to your RushCard Live.
      Direct Deposit Click here
      At the register at participating locations Click here
      MoneyGram xpress® Payment Click here
      Western Union Click here
      Bank transfers Click here

Can I wire funds from my bank to my Card?

No, RushCard Live does not accept wired funds.

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Enrolling in Direct Deposit

What is Direct Deposit?

Direct deposit allows you to have all or part of your paycheck, benefits or tax refund electronically loaded onto your RushCard Live. It’s faster and more convenient than receiving payment in the form of a paper check and saves you the hassle and expense associated with getting your checks cashed.

Plus, you can get paid up to 2 days faster with Payroll Direct Deposit. Subject to your employer’s payroll process and timing.

How can you get payroll direct deposit faster? Many employers notify the bank of PAYROLL direct deposits before your “official” payday. If we receive early notice, we’ll deposit your pay on the card early. Ask your employer when they submit their direct deposit information to the bank. Your employer may not submit early every pay period.

Is there a limit to how much money I can have loaded through Direct Deposit?

Yes. The limit is up to $10,000 per day, subject to the card balance limit of $10,000 for enrollers of Direct Deposit.

When will my Payroll Direct Deposit be available?

Payroll Direct Deposit is subject to your employer’s payroll process and timing. Many employers notify the bank of PAYROLL direct deposits before your “official” payday. If we receive early notice, we’ll deposit your pay on the card early. Ask your employer when they submit their direct deposit information to the bank. Your employer may not submit early every pay period.

How do I enroll in Direct Deposit?

The process is easy! Ask your payroll or benefits office if they offer Direct Deposit. If they do, simply login to your online account and click on “Add Funds” in the navigation bar and select “Direct Deposit” from the options menu to get started, and we will create a personalized Direct Deposit form for you. Fill out the Direct Deposit form and give it to your payor and they will enroll you. Once you've submitted your form, you can start receiving your pay or benefits on your card within 1 to 2 pay periods.

Do I have to Direct Deposit my entire paycheck? How much of my pay can I elect for Direct Deposit?

With the exception of certain federal government benefit payments, you can elect to have as much or as little of your paycheck or benefits payment deposited to your RushCard Live. The choice is completely yours, and you can cancel or change the amount of your Direct Deposit at any time.

How can I check to see if my Direct Deposit was posted?

You can review your Transaction History by logging into your online account, or by calling 1-888-569-7730 to hear your most recent Direct Deposit amount and date. In addition, your payor will usually give you a payment stub or notice that lets you know the amount and the date for the deposit to be posted to your account.

My Direct Deposit was supposed to be deposited today, but I don’t see it on my available balance. What happened?

The exact time of day that your paycheck is deposited onto your card might vary from payday to payday. If you are concerned about the status of your Direct Deposit please follow these steps:

  1. Contact your payor to verify that the Direct Deposit was sent. If so, ask them for the TRACE # of your Direct Deposit transaction.
  2. Once you have the TRACE #, call RushCard Live Customer Support toll-free at 1-888-569-7730 and we will investigate the transaction and get back to you within 48 business hours with the status of your Direct Deposit.

NOTE: If you have recently reported your card lost or stolen please make sure to tell the Customer Support Specialist when you call.

If you enrolled in Direct Deposit for federal benefits, you should contact the agency that administers your benefit:

  • Social Security and Supplemental Security Income: Contact the Social Security Administration at 1-800-772-1213 or visit the Social Security website
  • Veterans Benefits: Contact the Department of Veterans Affairs at 1-877-838-2778
  • Federal Civil Service: Contact the Office of Personnel Management/ Civil Service at 1-888-767-6738
How do I cancel my Direct Deposit?

To cancel your Direct Deposit, you must contact your employer or the payor of your benefits. They will tell you how to cancel the service. For information on how to cancel Direct Deposit of your federal benefits, contact the agency that administers your benefit.

  • Social Security and Supplemental Security Income: Contact the Social Security Administration at 1-800-772-1213 or visit the Social Security website
  • Veterans Benefits: Contact the Department of Veterans Affairs at 1-877-838-2778
  • Federal Civil Service: Contact the Office of Personnel Management/ Civil Service at 1-888-767-6738
Can I stop using Direct Deposit and still keep my Card?

Yes. Canceling Direct Deposit will in no way impact the use of your RushCard Live Reloadable Prepaid Visa Card.

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ADDING MONEY THROUGH MONEYGRAM® OR WESTERN UNION®

How do I add money to my RushCard Live Reloadable Prepaid Visa Card at MoneyGram or Western Union?

Use MoneyGram xpressPayment®service to add funds to your RushCard Live at MoneyGram agent locations nationwide including Walmart and CVS/pharmacy. Western Union requires that your card be present when you reload it. You can only load funds to your own personal card and no one else can load it for you. Service fees apply. For a full list of frequently asked questions, you can visit MoneyGram or Western Union websites Click here for MoneyGram Click here for Western Union

Will I pay a fee to reload my Card at MoneyGram?

Yes. There is no fee from RushCard Live, but MoneyGram charges a service fee.

What should I do if money that I loaded through MoneyGram posts to the wrong Card?

Contact MoneyGram directly at 1-800-926-9400 and a representative will assist you.

When will the money from my MoneyGram deposit be available on my Card?

After completing your transaction at the MoneyGram agent location, the money is usually available within twenty minutes but no later than the next business day. If your deposit has not posted after three hours, please call RushCard Live customer service at 1-888-569-7730.

Where can I find a MoneyGram agent location?

Call 1-800-MONEYGRAM or click here.

Can I load my Card at moneygram.com?

No, loads to your RushCard Live cannot be completed by MoneyGram online.

How do I add money at Western Union?

Western Union requires that your card be present when you reload it. You can only load funds to your own personal card and no one else can load it for you.

How much money can I load on my Card through Western Union?

Load limits apply Please visit westernunion.com for more information.

What is a Money Transfer Control Number (MTCN)?

The MTCN is a unique number sequence attached to each Western Union transaction. This number identifies your specific transaction for tracking purposes and is listed on your receipt. It is very important that you keep it.

What should I do if the Western Union Agent clerk is unable to load funds to my Card?

It’s possible that you’ve exceeded the program load limits for your card. You can contact Customer Service at 1-888-569-7730 for assistance.

Where can I find a Western Union® Agent location?

Call 1-800-325-6000 or click here.

Why does Western Union issue a transaction receipt?

It is proof of your load made with Western Union. You should keep this receipt.

Will I pay a fee to reload my Card at Western Union?

Yes. There is no fee from RushCard Live, but Western Union charges a service fee.

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Balance and Transaction History

How do I check my Card balance and transactions?

You may check your balance and transaction history online 24/7 by logging into your online account here. You may also call customer support at 1-888-569-7730. There is no charge to check your balance online or over the phone. You can also set up Account Alerts, a special feature that allows you to receive your card balance to your email, mobile phone, or both. Once you’ve registered your mobile phone number with us, you can request your balance at any time by sending the word “BAL” and the last four digits of your card number to 47874 (IRUSH). Carrier message and data rates apply.

What are pending transactions?

A pending transaction reflects the amount of money set aside for purchases but not yet collected by the merchant.

What is the difference between transactions that are “pending” and “posted”?

To make sure you have enough money for a purchase, merchants first request approval for the purchase amount. This holds the money for them and is considered a “pending” transaction. Once the merchant actually collects the money, it becomes a “posted” transaction. You can review your pending and posted transactions on the Transaction History page in your online account. Pending transactions reduce your available balance or the amount available for you to spend.

Why is the amount pending sometimes different than what I actually spent?

Some merchants, such as hotels, car rental companies and restaurants, have a policy that requires them to pre-authorize and temporarily hold an amount of money from your card balance that is greater than your actual purchase amount. Once your purchase is processed by the merchant, your card balance will reflect the amount of your actual purchase and the held funds will become available for immediate use. Availability of the pre-authorized funds can take up to 10 days (90 days for car rental companies) to be released back to your card balance.

I bought something but my balance doesn't show any money taken off. Why?

Many website and phone merchants process all of their orders at the end of the day, so it may take 24-48 hours before you see the charge on your card. Some website and phone merchants charge your card when the merchandise is shipped, not when it is ordered. You may not see the charge until they ship your merchandise a few days (or weeks) later.

I bought something online and it was declined, but I still got charged for the purchase. Why?

The funds were placed on hold to cover the cost of your purchase but you were declined because the address you provided to the merchant does not match the address we have on file for you. If you need to update your address, click here, or login to your online account and select “My Account” in the navigation bar and “Edit Contact Info” from the menu options. When this happens, it takes 10 business days for the funds to be released back to your card balance.

I bought something online/over the phone, but the company only charged me $1. Why?

Many website and phone merchants will do what's called a "dollar authorization". This means that they check to see that your account is valid, but they only hold $1.00 until they ship the merchandise. Then, they'll charge the full amount.

What do I do if I have a question or think there is an error on my Card?

It’s important to note that Merchant’s names or locations for your transactions may not look familiar. Many merchants use their Corporate or headquarters information instead of the particular store information where you made the purchase. There may also be a delay in the posted date of the transaction. These are normal business practices. If the amount and date of the purchase are accurate, you may use that as your validation of the charge.
In case of errors or questions about your card, write to us at RushCard Live Customer Service, P.O. Box 1187, Monrovia, California 91017 or telephone us at 1-888-569-7730. Call us or write to us as soon as you can if you think an error has occurred in your card account. If writing us, a Transaction Dispute Form is available for your convenience at www.rushcardlive.com We must allow you to report an error until 60 days after the earlier of: (i) the date you electronically accessed your account, provided the error could be viewed in the electronic history; or (ii) the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by writing us at Written History Request, P.O. Box 1187, Monrovia, California 91017 or by calling 1-888-569-7730. When notifying us, you will need to tell us: (i) your name and Card number; (ii) why you believe there is an error, and the dollar amount involved; and (iii) approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we need more time we credit your Card within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit the Card. We also may not credit the card if the error does not represent a qualifying dispute, as identified in the Disputes with Merchants section of the Cardholder Agreement. We will let you know the results of our investigation within three business days of completing it. If we decide that there was no error, we will send you a written explanation.

You agreed in the Cardholder Agreement that any unauthorized use does not include use by a person to whom you have given authority to use the card or PIN and that you will be liable for all such uses by such person. For example, if you have given your card or card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions with your card, and if you have given your card information to a merchant for a transaction, you have given authority to that merchant to debit the card for that transaction.

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Card Expiration/Cancellation

My Card is about to expire. How can I make sure I will receive my new Card?

Make sure the address you have on file with us is correct. If not, you can update it by logging into your online account, selecting "My Account" in the navigation bar and then "Edit Contact Info" from the menu options. Click here. You can also call customer support at 1-888-569-7730 to update your address. Please note the card reissuance process starts approximately 45 days prior to card expiration so any address changes should be made prior to that time to ensure timely receipt of your new card.

How do I cancel my Card?

To cancel your card you can call customer support at 1-888-569-7730. You can also log into your online account and go to the "Customer Care" tab in the navigation bar and select "Close Card” from the menu options. Click here. When you cancel your account, we will mail a check for any remaining balance to the mailing address we have on file for you.

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Account Alerts

What are Account Alerts?

Account Alerts allow you to receive your card balance to your email, mobile phone, or both. We do not charge for Account Alerts, however, your mobile carriers standard rates for sending and receiving text messages still apply.

What type of Account Alerts can I choose from?
  • Daily Balance: get your balance sent to you every day
  • Weekly Balance: get your balance sent to you once a week (Mondays)
  • Reload Now Alerts: get reload reminders when your balance gets to $25 or less

You can choose to receive any of these types of alerts sent to two different email addresses and/or as a text message. Carrier message and data rates apply.

Why am I not receiving my Account Alerts?

It may be due to an inaccurate email or mobile phone number we have on file. Confirm your email address and/or your mobile phone number are accurate on your profile. Verify that your wireless plan and carrier allow for receipt of text messages.

Why did I stop receiving my Account Alerts?

You will be unenrolled from Account Alerts if your card has been inactive (no purchase or load activity) for 60 days. You can re-enroll at any time by logging into your online account and going to “My Account” in the navigation bar and selecting “Account Alerts” from the menu options.

Why is my balance different on the Account Alerts than what is identified online and over the automated telephone service?

The amount on your Account Alert is typically your balance from the night before the alert was sent. To be sure, please read the entire message as it contains the date and time of your balance. The balance identified online and the over automated telephone service is the most current balance.

How do I cancel my Account Alerts?

You can turn off mobile and email alerts at any time by logging into your online account. Click here to manage your Account Alerts.

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RushCard Live Mobile

What is offered through RushCard Live Mobile?

You can access the most important information about your RushCard Live on your mobile phone. It's easy to use and you can:

  • Check your balance
  • Find a reload location
  • Find a fee-free ATM locations
Do I have to sign up for RushCard Live Mobile?

Yes, in order to use the RushCard Live Mobile service you have to register your mobile phone number. To register, click here, or login to your online account and choose “Mobile” from the navigation bar and “Overview” from the menu options.

How do I send a text message to check my card balance and recent transaction history?

To request your card balance, text BAL XXXX to 47874 (IRUSH), where XXXX is the last 4 digits of your card number.

To request recent transactions, text HIST XXXX to 47874 (IRUSH), where XXXX is the last 4 digits of your card number.

How do I find the nearest MoneyPak reload location using RushCard Live Mobile service?

Just send a text message using “LOC” and the zip code or “LOC” and the city and state to IRUSH (47874). For example, if you live in Los Angeles zip code 90001, you would send “LOC 90001” or “LOC Los Angeles CA”.

How much does it cost to sign up for mobile alerts?

We do not charge for the use of the RushCard Live Mobile service. However, carrier data and message rates apply.

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Online Bill Pay

What's the benefit of signing up for Online Bill Pay?

  • It’s convenient — No special trips to pay your bills, no need to write checks or pay for stamps
  • It’s easy — Set up monthly payments and pay your bills automatically
  • It puts you in control – Track your expenses and control your spending

How do I enroll in Online Bill Pay?

It is easy to sign up for Online Bill Pay. From your online account:

  1. Select "Pay Bills" from the navigation bar, and “Online Bill Pay” from the menu options
  2. Click on the "Sign Up Now" button on the right side of the page
Is there a fee to use the bill payment service?

You will not be charged any fees for the use of the bill payment service.

Who can I pay?

You can pay anyone in the United States that you would normally pay by check or automatic debit. Thousands of billers who accept electronic payments are supported, including many utility companies, cell phone providers, and others. You can view a complete list of billers when you add a payee. If your biller accepts electronic payments, your payment can often be made as early as the next business day as long as you submit your payment request prior to 1:00 pm ET. You can also send paper checks to companies or individuals. This might include rent checks to your landlord, the payment to your paper deliverer, or a gift for grandma. Paper checks are sent via US mail so delivery times vary, but are usually within 5 business days. Please plan your payments accordingly. You may not send payments to any recipient outside of the United States.

Is there a minimum or maximum amount I can pay someone?

There is no minimum amount that can be paid, but there is a $1,000 maximum limit on each individual bill payment. Your bill payments will also count against the daily $2,500 spend limit on the card.

When will my payees receive their money?

Each time you submit a bill payment, you will be able to see both the debit date — the date the funds will be removed from your card balance, and the payment date — the earliest day that the biller may receive the bill payment. If your payee is included in our list of billers who accept electronic payments, your payment may arrive as early as the next business day, as long as you submit your request before 1:00 pm ET. If you submit your request for payment after 1:00 pm ET, it will be received by the biller on the second business day after your scheduled payment. You also have the ability to schedule any payment to arrive on any future business day, up to a year in advance. Our payment calendar allows you to view the date your money will leave your card, as well as the earliest date your money may be received by your payee.

What happens if there is not enough money to cover a bill payment?

If you schedule a bill payment prior to 1:00 pm ET today with a debit date of today, we will attempt to process it immediately, or on the next business day if today is not a business day. If there are not enough funds to cover the bill payment, you will see a message that it was declined. If a bill payment fails due to insufficient funds, you can load money onto your card and resubmit with the same debit date if the additional funds are loaded prior to 1:00 pm ET. If your additional funds are loaded after 1:00 pm ET, you will need to resubmit with a debit date of the following business day. If you have scheduled a bill payment for a future date, we will debit your account on that future date. If there are not enough funds to cover the amount of the bill payment by 1:00 pm ET on that date, then it will fail and we will send you a failure notification by email. You should check your email to ensure that your scheduled payments are made. It is your responsibility to make sure there are sufficient funds on your card before 1:00 pm ET on the date the bill payment is scheduled to be debited from your card. You must provide a valid email address when you enroll for Online Bill Pay. Email is the only means by which we communicate payment failure notifications. If your payment is declined due to insufficient funds, then you will need to resubmit the request once you have loaded sufficient funds onto the card.

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CARDS PURCHASED IN A FINANCIAL SERVICE CENTER LIKE PAY-O-MATIC

Is there a limit on how much I can load onto my card in a day?

Yes, if you are loading the card using cash, the daily reload limit is $2,500. If you are loading via direct deposit or check cashing transaction at a Financial Service Center like Pay-O-Matic, the daily reload limit is $10,000. All loads are subject to a card balance limit of $10,000.

What is the maximum balance I can have on my card?

The maximum balance you can have on your card is $10,000.

Can I use my temporary card at ATMs?

Yes, you can use your temporary card to access cash at ATMs and at participating retailers where you can request “cash back” with purchase transactions. We may block ATM withdrawals in some countries due to fraud or security concerns.

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